Can I retire at age 35 with 2,400,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $2,400,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%16%
1 years$198,190$196,424$194,702$193,021$191,379$186,677
2 years$98,114$96,286$94,516$92,799$91,133$86,425
3 years$64,759$62,924$61,158$59,457$57,819$53,251
4 years$48,086$46,256$44,507$42,835$41,237$36,845
5 years$38,084$36,265$34,539$32,902$31,347$27,145
6 years$31,418$29,613$27,913$26,312$24,804$20,794
7 years$26,659$24,869$23,196$21,632$20,172$16,355
8 years$23,091$21,318$19,672$18,147$16,735$13,109
9 years$20,318$18,561$16,943$15,457$14,093$10,656
10 years$18,100$16,360$14,772$13,324$12,008$8,755
11 years$16,287$14,565$13,005$11,596$10,327$7,254
12 years$14,777$13,072$11,541$10,171$8,950$6,051
13 years$13,500$11,814$10,311$8,980$7,804$5,075
14 years$12,407$10,738$9,265$7,971$6,841$4,275
15 years$11,460$9,810$8,365$7,109$6,023$3,614
16 years$10,633$9,000$7,584$6,365$5,324$3,064
17 years$9,904$8,289$6,901$5,719$4,720$2,605
18 years$9,256$7,659$6,300$5,154$4,197$2,219
19 years$8,677$7,099$5,767$4,657$3,741$1,893
20 years$8,157$6,596$5,293$4,218$3,341$1,618
21 years$7,687$6,144$4,868$3,828$2,990$1,384
22 years$7,260$5,735$4,487$3,481$2,680$1,186
23 years$6,871$5,364$4,143$3,170$2,406$1,017
24 years$6,515$5,026$3,832$2,891$2,163$872
25 years$6,188$4,717$3,549$2,640$1,946$749
26 years$5,886$4,433$3,291$2,414$1,753$644
27 years$5,607$4,172$3,056$2,210$1,580$553
28 years$5,349$3,931$2,841$2,025$1,426$476
29 years$5,109$3,708$2,644$1,857$1,288$409
30 years$4,885$3,502$2,463$1,704$1,163$352
31 years$4,677$3,311$2,296$1,565$1,052$303
32 years$4,481$3,133$2,142$1,438$951$261
33 years$4,298$2,967$2,000$1,323$861$225
34 years$4,126$2,812$1,869$1,217$780$193
35 years$3,964$2,667$1,747$1,120$706$167
36 years$3,812$2,531$1,634$1,032$640$143
37 years$3,668$2,404$1,530$951$580$124
38 years$3,532$2,285$1,433$876$526$107
39 years$3,403$2,173$1,342$808$477$92
40 years$3,281$2,067$1,258$745$432$79
41 years$3,165$1,968$1,180$687$392$68
42 years$3,056$1,874$1,107$634$356$59
43 years$2,951$1,785$1,038$586$323$51
44 years$2,852$1,702$975$541$293$44
45 years$2,757$1,623$915$499$266$38
46 years$2,666$1,548$860$461$242$32
47 years$2,580$1,477$808$426$219$28
48 years$2,498$1,410$759$394$199$24
49 years$2,419$1,347$713$364$181$21
50 years$2,343$1,287$671$336$164$18

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $2,400,000, adding $2,509 every year, while hoping to spend $56,643 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 61/34/5 Blend
34$2,400,000$2,400,000$2,400,000$2,400,000
35$2,647,388$2,520,188$2,482,988$2,806,577
36$2,857,154$2,583,410$2,505,900$2,976,382
37$3,086,417$2,647,830$2,527,682$3,154,753
38$3,337,108$2,713,450$2,548,235$3,347,895
39$3,611,348$2,780,265$2,567,456$3,557,231
40$3,911,478$2,848,270$2,585,238$3,784,326
41$4,240,072$2,917,458$2,601,467$4,030,902
42$4,599,965$2,987,819$2,616,022$4,298,855
43$4,994,281$3,059,342$2,628,778$4,590,275
44$5,426,458$3,132,010$2,639,603$4,907,460
45$5,900,285$3,205,806$2,648,357$5,252,944
46$6,419,932$3,280,709$2,654,895$5,629,516
47$6,989,994$3,356,693$2,659,063$6,040,248
48$7,615,532$3,433,730$2,660,701$6,488,523
49$8,302,121$3,511,787$2,659,639$6,978,068
50$9,055,901$3,590,828$2,655,700$7,512,990
51$9,883,635$3,670,811$2,648,699$8,097,811
52$10,792,776$3,751,691$2,638,440$8,737,513
53$11,791,531$3,833,415$2,624,719$9,437,586
54$12,888,942$3,915,928$2,607,323$10,204,077
55$14,094,971$3,999,165$2,586,025$11,043,649
56$15,420,594$4,083,060$2,560,592$11,963,642
57$16,877,899$4,167,535$2,530,777$12,972,144
58$18,480,209$4,252,508$2,496,322$14,078,068
59$20,242,198$4,337,889$2,456,957$15,291,233
60$22,180,036$4,423,579$2,412,399$16,622,458
61$24,311,537$4,509,472$2,362,352$18,083,666
62$26,656,329$4,595,451$2,306,506$19,687,994
63$29,236,038$4,681,391$2,244,537$21,449,917
64$32,074,491$4,767,157$2,176,106$23,385,388
65$35,197,942$4,852,601$2,100,859$25,511,985
66$38,635,319$4,937,565$2,018,424$27,849,078
67$42,418,494$5,021,878$1,928,414$30,418,012
68$46,582,588$5,105,358$1,830,423$33,242,309
69$51,166,298$5,187,806$1,724,029$36,347,892
70$56,212,264$5,269,012$1,608,787$39,763,324
71$61,767,468$5,348,747$1,484,235$43,520,084
72$67,883,683$5,426,768$1,349,889$47,652,863
73$74,617,953$5,502,814$1,205,245$52,199,889
74$82,033,137$5,576,606$1,049,774$57,203,291
75$90,198,502$5,647,844$882,926$62,709,495
76$99,190,370$5,716,209$704,125$68,769,665
77$109,092,845$5,781,360$512,770$75,440,184
78$119,998,601$5,842,933$308,234$82,783,189
79$132,009,761$5,900,539$89,862$90,867,154
80$145,238,855$5,953,764$0$99,767,545
81$159,809,886$6,002,166$0$109,575,161
82$175,859,497$6,045,275$0$120,379,627
83$193,538,261$6,082,589$0$132,277,184
84$213,012,105$6,113,577$0$145,379,178
85$234,463,868$6,137,670$0$159,808,318
86$258,095,033$6,154,267$0$175,699,830
87$284,127,627$6,162,726$0$193,202,736
88$312,806,312$6,162,367$0$212,481,260
89$344,400,700$6,152,467$0$233,716,384
90$379,207,892$6,132,259$0$257,107,551
91$417,555,285$6,100,927$0$282,874,553
92$459,803,659$6,057,608$0$311,259,607
93$506,350,587$6,001,385$0$342,529,641
94$557,634,180$5,931,287$0$376,978,818
95$614,137,228$5,846,282$0$414,931,311
96$676,391,755$5,745,279$0$456,744,367
97$744,984,038$5,627,122$0$502,811,682
98$820,560,145$5,490,585$0$553,567,119
99$903,832,027$5,334,372$0$609,488,804
100$995,584,247$5,157,109$0$671,103,645